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Elizabethton Federal Savings Bank

IDRSSD: 17978
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2024-Q1QoQ -10

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #17978 2024-Q1 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

Liquidity:Strong
Securities:Risk
Capitalization:Watch
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.16%.

What changed this quarter

Compared to Q4 2023:
↓ -10 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↑ +1
  • Capitalization
    — —
  • Asset Quality
    ↓ -18
  • Reserves
    ↓ -34

The five pillars

Liquidity

StrongQoQ 0
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 82.2%, cash 11.2% of assets.

Cash / Assets
11.17%
Loans / Deposits
82.22%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +1
37
Sub-score

Securities profile is weak: securities 38.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
38.76%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 41.89%.

Tier 1 RBC
—
CET1
0.00%
Leverage
41.89%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -18
78
Sub-score

Asset quality is stable: Adjusted NPL 1.16%, Texas Ratio 1.3%, NCO YTD 0.00%.

Adjusted NPL
1.16%
Govt-guarantees stripped
Texas Ratio
1.3%
NCO YTD
0.00%
30-89 PD
1.47%
Band 0.3% / 3.0%
90+ PD
1.16%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.16%.

Reserves

WatchQoQ -34
48
Sub-score

Reserves are deteriorating: ALLL 0.96% of loans, coverage 83.3%, true coverage 83.3%.

ALLL / Loans
0.96%
Coverage
83.3%
True Loss Coverage
83.3%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 08:30:52 UTC